1. User Guide
  2. Deposit Insurance Calculations as per FDIC 370
  3. ORC Classification and Insurance Calculation
  4. Mortgage Servicing Accounts (MSA)
  5. Insurance Limit

5.3.10.1 Insurance Limit

Insurance calculation and the Standard Maximum Deposit Insurance Amount (SMDIA) are applied at:

Legal Entity/Separately insured branch- Ownership Right and Capacity-Customer- Account Participant level

For MSA this would be:

Legal Entity/Separately insured branch- MSA-Mortgage Servicer- Mortgagor- level

Mortgagors will be insured for up to SMDIA for all mortgages held with the same mortgagor.